SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI : revenue, balance sheet and financial ratios

SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI is a French company founded 33 years ago, specialized in the sector Promotion immobilière de logements. Based in CHAMBERY (73000), this company of category PME shows in 2025 a revenue of 161 k€. Find below the complete financial statements, solvency ratios, working capital requirements and sector comparison.

Data updated on 2026-05-09

Sources : INPI & INSEE SIRENE - Processing : Ministry of Economy

Financial history - SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI (SIREN 388442113)
Indicator 2025 2024 2023 2022 2021 2020 2018
Revenue 160 942 € 1 039 427 € 1 672 704 € 3 388 218 € 1 498 438 € 1 029 421 € 218 550 €
Net income -355 075 € -781 475 € -456 003 € 286 412 € -221 402 € 432 109 € -213 091 €
EBITDA -81 873 € 212 024 € 136 389 € 1 112 449 € 291 496 € 350 828 € 22 218 €
Net margin -220.6% -75.2% -27.3% 8.5% -14.8% 42.0% -97.5%

Revenue and income statement

In 2025, SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI achieves revenue of 161 k€. Activity remains stable over the period (CAGR: -4.3%). Significant drop of -85% vs 2024. After deducting consumption (9 k€), gross margin stands at 152 k€, i.e. a rate of 94%. This ratio measures the ability to generate value from commercial activity. EBITDA (= Gross margin - Personnel expenses - Taxes) reaches -82 k€, representing -50.9% of revenue. Warning negative scissor effect: despite revenue change (-85%), EBITDA varies by -139%, reducing margin by 71.3 pts. This reflects costs rising faster than revenue. Negative EBITDA means operations do not cover current expenses: concerning situation. Net income is negative at -355 k€ (-220.6% of revenue), which will impact equity.

Revenue (2025) ?
Revenue
Definition
Total amount of sales of goods and services made by the company.
Formula
Sales of goods + Sold production

160 942 €

Gross margin (2025) ?
Gross margin
Definition
Difference between revenue and cost of goods sold.
Formula
Revenue - Cost of goods consumed

151 894 €

EBITDA (2025) ?
Gross Operating Surplus (EBITDA)
Definition
Resources generated by current operations, before depreciation and financial expenses.
Formula
Value added - Personnel expenses - Taxes
Interpretation
Positive = profitable activity

-81 873 €

EBIT (2025) ?
EBIT (Operating Income)
Definition
Operating income, including depreciation and provisions.
Formula
EBITDA - Depreciation and provisions + Reversals

-92 750 €

Net income (2025) ?
Net income
Definition
Profit or loss after all expenses, including taxes and exceptional items.
Formula
Current income + Exceptional income - Income tax

-355 075 €

EBITDA margin (2025) ?
EBITDA margin
Definition
Measures the company's operating profitability.
Formula
(EBE / CA) x 100
Interpretation
> 10% : Good profitability
5-10% : Average
< 5% : Low

-50.9%

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Assets

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Liabilities

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Solvency and debt ratios

The debt ratio (= Financial debt / Equity x 100) stands at -313%. This very low level reflects a solid financial structure, offering significant room for future investments or acquisitions. Financial autonomy (= Equity / Total assets x 100) reaches -39%. Low autonomy: the company heavily depends on external financing (banks, suppliers).

Debt ratio (2025) ?
Debt ratio
Definition
Measures the proportion of debt to equity.
Formula
(Financial debt / Equity) x 100
Interpretation
< 50% : Low
50-100% : Moderate
> 100% : High

-312.995%

Financial autonomy (2025) ?
Financial autonomy
Definition
Share of equity in the company's total financing.
Formula
(Equity / Total assets) x 100
Interpretation
> 30% : Good autonomy
20-30% : Average
< 20% : Low

-39.233%

Cash flow / Revenue (2025) ?
Cash flow / Revenue
Definition
Self-financing capacity relative to revenue.
Formula
(CAF / CA) x 100
Interpretation
The higher the ratio, the more cash the company generates

-1349.927%

Repayment capacity (2025) ?
Repayment capacity
Definition
Number of years needed to repay debts with cash flow.
Formula
Financial debt / Cash flow
Interpretation
< 3 years : Excellent
3-5 years : Fair
> 5 years : Warning

-1.957

Solvency indicators evolution
SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI

Sector positioning

Debt ratio
-313.0 2025
2023
2024
2025
Q1: 0.0
Med: 11.25
Q3: 119.45
Excellent

In 2025, the debt ratio of SAVOIE STATIONS PROMOTION... (-313.00) ranks in the bottom 25% of the sector, which is positive. This ratio measures the weight of debt relative to equity. A low ratio indicates a solid financial structure with little dependence on creditors.

Financial autonomy
-39.23% 2025
2023
2024
2025
Q1: 0.37%
Med: 26.59%
Q3: 69.73%
Watch

In 2025, the financial autonomy of SAVOIE STATIONS PROMOTION... (-39.2%) ranks in the bottom 25% of the sector. This ratio represents the share of equity in total financing. Low autonomy may limit investment capacity and increase vulnerability.

Repayment capacity
-1.96 years 2025
2023
2024
2025
Q1: -1.87 years
Med: 0.0 years
Q3: 2.47 years
Excellent

In 2025, the repayment capacity of SAVOIE STATIONS PROMOTION... (-1.96) ranks in the bottom 25% of the sector, which is positive. This ratio indicates the number of years needed to repay debt with cash flow. A short capacity reflects controlled debt and good cash generation.

Liquidity ratios

The liquidity ratio (= Current assets / Current liabilities) stands at 547.68. Concretely, the company has €2 of liquid assets for every €1 of short-term debt: no cash risk within 12 months.

Liquidity ratio (2025) ?
Liquidity ratio
Definition
Ability to meet short-term debts with current assets.
Formula
Current assets / Current liabilities
Interpretation
> 1.5 : Very good
1-1.5 : Fair
< 1 : Liquidity risk

547.678

Interest coverage (2025) ?
Interest coverage
Definition
Ability to cover interest charges with operating income.
Formula
EBIT / Interest expenses
Interpretation
> 3 : Comfortable
1.5-3 : Acceptable
< 1.5 : Risk

-2531.891

Liquidity indicators evolution
SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI

Sector positioning

Liquidity ratio
547.68 2025
2023
2024
2025
Q1: 148.13
Med: 447.5
Q3: 1581.52
Good

In 2025, the liquidity ratio of SAVOIE STATIONS PROMOTION... (547.68) ranks above the median of the sector. This ratio measures the ability to cover short-term debt with current assets. This comfortable position offers an appreciable safety margin.

Interest coverage
-2531.89x 2025
2023
2024
2025
Q1: -10.46x
Med: 0.0x
Q3: 11.44x
Watch -57 pts over 3 years

In 2025, the interest coverage of SAVOIE STATIONS PROMOTION... (-2531.9x) ranks in the bottom 25% of the sector. This ratio indicates how many times operating income covers interest expenses. Low coverage may indicate fragility to rate or income variations.

Working capital requirement (WCR) and payment terms

Working capital requirement (WCR) measures the cash timing gap between customer collections and supplier/inventory payments. Average customer payment term: 90 days (formula: Customer receivables / Revenue incl. VAT x 360). Supplier term: 46 days. The gap of 44 days means the company finances its customers for over a month before being paid relative to supplier payments. This weighs on cash flow. Inventory turnover is 7636 days (= Average inventory / Cost of goods x 360). This high level ties up cash and potentially creates obsolescence risk. Overall, WCR represents 7798 days of revenue, i.e. 3.5 M€ to permanently finance. Notable WCR improvement over the period (-37%), freeing up cash.

Operating WCR (2025) ?
Operating WCR
Definition
Financing requirement generated by the operating cycle (inventory + receivables - trade payables).
Formula
Inventory + Customer receivables - Trade payables
Interpretation
Negative = cash released
Positive = financing needed

3 486 099 €

Customer credit (2025) ?
Customer credit (days)
Definition
Average payment term granted to customers.
Formula
(Customer receivables / Revenue incl. VAT) x 360
Interpretation
< 45j : Good
45-60j : Average
> 60j : Long

90 j

Supplier credit (2025) ?
Supplier credit (days)
Definition
Average payment term obtained from suppliers.
Formula
(Trade payables / Purchases incl. VAT) x 360
Interpretation
The longer the term, the better for cash flow

46 j

Inventory turnover (2025) ?
Inventory turnover (days)
Definition
Average storage duration for goods or materials.
Formula
(Inventory / Cost of goods) x 360
Interpretation
The lower the ratio, the faster the turnover

7636 j

WCR in days of revenue (2025) ?
WCR in days of revenue
Definition
Expresses working capital requirement in days of revenue.
Formula
(Operating WCR / Revenue) x 360
Interpretation
The fewer days, the better the working capital management

7798 j

WCR and payment terms evolution
SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI

Positioning of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI in its sector

Comparison with sector Promotion immobilière de logements

Valuation estimate

Based on 80 transactions of similar company sales (all years), the value of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI is estimated at 45 025 € (range 16 190€ - 110 737€). The price/revenue ratio is 0.28x (conservative valuation). This multiples method compares the actual sale price of similar companies to their financial indicators (Revenue, EBITDA, Net Income). It provides a market-based indicative estimate.
Medium reliability: estimate to be confirmed with in-depth analysis.

Estimated enterprise value 2025
80 tx
16k€ 45k€ 110k€
45 025 € Range: 16 190€ - 110 737€
NAF 5 all-time

Valuation method used

Revenue Multiple
160 942 € × 0.28x = 45 025 €
Range: 16 191€ - 110 737€

Only this financial indicator is available for this company.

How is this estimate calculated?

This estimate is based on the analysis of 80 actual transactions of similar company sales (same NAF code) registered with BODACC between 2016 and 2025.

  • EBITDA Multiple: Preferred method for profitable SMEs. EBITDA reflects the ability to generate cash.
  • Revenue Multiple: Used for growing companies or those with low profitability. Reflects commercial potential.
  • Net Income Multiple: Relevant for mature companies with stable results.

This estimate is provided for information purposes only. A precise valuation requires in-depth analysis (assets, liabilities, prospects, market...).

Similar companies (Promotion immobilière de logements)

Compare SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI with other companies in the same sector:

Voir toutes les statistiques du secteur Promotion immobilière de logements

Frequently asked questions about SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI

What is the revenue of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI ?

The revenue of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI in 2025 is 161 k€.

Is SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI profitable?

SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI recorded a net loss in 2025.

Where is the headquarters of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI ?

The headquarters of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI is located in CHAMBERY (73000), in the department Savoie.

Where to find the tax return of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI ?

The tax return of SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI is available on this page. Click on a year in the 'Data by year' section to view the account details (assets, liabilities, income statement). Data comes from INPI (National Institute of Industrial Property).

In which sector does SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI operate?

SAVOIE STATIONS PROMOTION IMMOBILIERE - SSPI operates in the sector Promotion immobilière de logements (NAF code 41.10A). See the 'Sector positioning' section above to compare the company with its competitors.